In 2021, Mlimi Pay, a fintech startup developed Mlimi Digital Wallet, a mobile solution designed exclusively to meet the financial needs of smallholder farmers in Malawi. The word Mlimi means “farmer” in the Chichewa language. Despite a successful maize harvest last season, Patrick Thimisoni, a smallholder farmer on the outskirts of Lilongwe, is struggling to buy seeds and fertiliser for the new…